Many insurance companies issue a claim check payable to both you and your lien holder. This is because your lien holder has an interest in your vehicle. I suggest obtaining several estimates to repair your vehicle. Many body shops are familiar with the claims process and understand that your claim check may be issued to both you and your lien holder. The body shop you choose should be able to make arrangements with your lien holder to endorse the check. You also have the option of speaking to your claims adjuster and explaining your predicament. It is possible that they have an alternative solution.

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